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Bank of America (BAC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
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Bank of America (BAC - Free Report) reported $28.09 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 10.8%. EPS of $1.06 for the same period compares to $0.81 a year ago.
The reported revenue represents a surprise of +2.96% over the Zacks Consensus Estimate of $27.28 billion. With the consensus EPS estimate being $0.94, the EPS surprise was +12.77%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Bank of America performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio (FTE basis): 61.4% versus 63.1% estimated by seven analysts on average.
Net charge-off / Average Loans: 0.5% versus 0.5% estimated by seven analysts on average.
Net interest income/yield on earning assets - Yield/rate: 2% compared to the 2% average estimate based on seven analysts.
Total earning assets - Average balance: $3040.19 billion versus $3068.83 billion estimated by six analysts on average.
Book value per share of common stock: $37.95 compared to the $37.63 average estimate based on six analysts.
Total nonperforming loans, leases and foreclosed properties: $5.47 billion compared to the $6.66 billion average estimate based on five analysts.
Tier 1 Capital Ratio: 13.1% versus 12.7% estimated by four analysts on average.
Tier 1 Leverage Ratio: 6.8% versus 6.7% estimated by four analysts on average.
Total Non-Performing Loans: $5.35 billion compared to the $6.66 billion average estimate based on four analysts.
Total Noninterest Income: $12.86 billion compared to the $12.26 billion average estimate based on seven analysts.
Net Interest Income- Fully taxable-equivalent basis: $15.39 billion versus $15.24 billion estimated by seven analysts on average.
Investment and brokerage services: $5.06 billion versus the five-analyst average estimate of $4.92 billion.
Shares of Bank of America have returned -1.1% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Bank of America (BAC) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
Bank of America (BAC - Free Report) reported $28.09 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 10.8%. EPS of $1.06 for the same period compares to $0.81 a year ago.
The reported revenue represents a surprise of +2.96% over the Zacks Consensus Estimate of $27.28 billion. With the consensus EPS estimate being $0.94, the EPS surprise was +12.77%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Bank of America performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:View all Key Company Metrics for Bank of America here>>>
Shares of Bank of America have returned -1.1% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.